Sarah Chen is Ratixa's Senior Personal Finance Writer, specialising in retirement planning, tax strategy, and wealth building for US audiences. She brings over eight years of experience breaking down complex financial topics into clear, actionable guidance backed by primary data from the IRS, Social Security Administration, and Federal Reserve.
Before joining Ratixa, Sarah spent five years as a financial analyst at a mid-sized wealth management firm in Chicago, where she worked directly with clients on retirement projections, tax-loss harvesting strategies, and 401(k) optimisation. That front-line experience with real financial decisions — and real consequences — shapes the precision and practicality she brings to every piece she writes.
Sarah is a CFP® candidate, currently completing the final examination requirements. Her work has been cited by financial journalists and personal finance educators as a reliable source for up-to-date 2026 IRS figures, SECURE 2.0 analysis, and retirement planning frameworks.
When she is not writing, Sarah teaches financial literacy workshops in the Chicago area and volunteers as a financial coach through a non-profit that helps first-generation college graduates build credit and investment accounts.